answers needed to money dissapearing from my bank account

iblametheparents

ajones28 wrote: »

I had the same kind of problems but with Barclays. They blamed everythinng from the merchant taking the money out twice to the merchant sometimes taking a £1 or £2 out to make sure the card works. Anything apart from it being their fault. I know it is not the merchant because I use the exact same shops as I have done for years, yet when I used my previous bank accounts' debit card with the Co-op bank (another story for another time), they never took money off my card then. There is only a few £'s going missing but it has happened so many times I have lost count of the exact amount taken. One advisor did also tell me that you cannot rely on ATM's as they sometimes do not give accurate information. I have complained by phone, in person and also in writing. In fact I was actually thrown out of my bank on one occassion as they wanted to close and they just weren't giving me any answers. I advised them I wanted it sorting out as it was happening all the time. I was not rude in any way. They just did not want to know and in fact they became quite rude with me when I was not accepting their flimsy replies. This problem is still ongoing though amd although its not huge amounts every bit counts when you are on a very low income. In fact even if I wasn't on a low income it makes no difference they are still taking something that belongs to me-in my eyes that is THEFT! The money does sometimes turn up in my account generally 7 - 10 days later and I keep getting told this is because I have to wait for the amounts to 'drop off' the account before I get the money back. Whatever that means! What I want to know is where does this money go? Who uses this money whilst I am unable to? And is somebody making money on my money, when I could be doing just that myself. Grrrrrrr, banks make me so angry. Sorry couldn't give advice but just thought I would let everyone know that its not only Santander that are doing this. Don't they make enough money out of us in charges the greedy ****s!!!

It's not theft, don't be so silly, nobody is stealing your money! The £1.00 card debits are test transactions carried out by a merchant to make sure you card exists. The money never leaves your account and is only taken off your available balance, not your statement balance.

ATMs give you the balance at the close of business the day before, plus a real-time balance. It's not that hard to understand the difference.